Lower Your 2014 Ford Fiesta Insurance Quotes

Are you sick and tired of trying to scrape together enough money to make your insurance coverage payment? You’re in the same situation as most other consumers. Because you have many different company options, it can be hard to choose the most cost effective insurer.

It’s important to compare premium rates yearly since rates change regularly. Just because you had the best premium rates for Fiesta coverage last year you can probably find a better price now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to how to quote online to properly buy coverages while reducing your premium.

Finding affordable coverage is quite easy. If you have insurance now or need new coverage, you can use these tips to cut your premiums and still get good coverage. Vehicle owners just need to understand how to shop their coverage around online.

Verify you’re applying every discount

Auto insurance companies don’t always list every available discount very clearly, so here is a list a few of the more well known and also the lesser-known savings tricks you should be using when you buy car insurance online.

  • Senior Discount – If you’re over the age of 55, you may qualify for a small decrease in premiums for Fiesta coverage.
  • Accident Waiver – This isn’t a discount exactly, but certain companies allow you one accident before raising your premiums if you have no claims prior to being involved in the accident.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a car insurance quote.
  • Air Bags and Passive Restraints – Options like air bags can receive discounts of up to 25% or more.
  • Include Life Insurance and Save – Companies who offer life insurance give better premium rates if you take out a life policy as well.
  • Distant Student Discount – Youth drivers who are attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • ABS and Traction Control Discounts – Cars equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Defensive Driver Discounts – Taking part in a course that instructs on driving safety could cut 5% off your bill and also improve your driving technique.
  • Switch and Save Discount – Some insurance companies provide a discount for switching companies prior to your current policy expiration. This can save 10% or more.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.

While discounts sound great, it’s important to understand that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, car insurance companies aren’t that generous. Any amount of discount will positively reduce your overall bill.

Larger car insurance companies and a partial list of their discounts include:

  • State Farm may have discounts that include defensive driving training, passive restraint, anti-theft, driver’s education, multiple policy, and accident-free.
  • Geico may offer discounts for driver training, emergency military deployment, five-year accident-free, good student, and defensive driver.
  • Liberty Mutual offers premium reductions for new graduate, hybrid vehicle, newly married, teen driver discount, exclusive group savings, preferred payment discount, and safety features.
  • The Hartford discounts include air bag, defensive driver, bundle, anti-theft, vehicle fuel type, and driver training.
  • MetLife may include discounts for good student, accident-free, defensive driver, multi-policy, claim-free, good driver
  • Progressive policyholders can earn discounts including multi-policy, good student, continuous coverage, online signing, homeowner, multi-vehicle, and online quote discount.

If you need lower rates, check with each insurance company which credits you are entitled to. Some credits might not apply in your state. To see a list of providers that provide some of the discounts listed above, click here.

Informed consumers know how to get insurance at a discount

When buying insurance it’s important to understand some of the factors that help determine your premiums. If you know what influences your rates, this empowers consumers to make smart changes that can earn you lower premium levels.

  • Consolidate policies and save money – Most insurance companies provide discounts for people that buy multiple policies such as combining an auto and homeowners policy. Even if you already get this discount, you still need to compare other company rates to guarantee you are still saving the most.There is a good possibility that you can save money even if you insure with multiple companies
  • Insurance claims cost money – Companies generally give most affordable rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • A coverage lapse can increase rates – Driving your car without having proper coverage is not a good idea and any future policy may cost more because you let your coverage have a gap. Not only will rates go up, being ticketed for driving with no insurance could earn you a license revocation or jail time. Then you may be required to file a SR-22 with your state DMV.
  • Liability coverage – The liability section of your policy is the coverage that protects you when you are responsible for an accident. This coverage provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Rental and towing coverage may not be needed – Insurance companies have many additional extra coverages that you can get tricked into buying when buying insurance. Coverages like personal injury protection, towing, and extra life insurance coverage may be wasting your money. They may seem like a good idea when deciding what coverages you need, but if you don’t need them think about removing them and cutting costs.
  • Males tend to take more risk – The statistics show that men are more aggressive behind the wheel. It does not mean males are worse at driving than females. Females and males tend to get into fender benders in similar numbers, but men have costlier accidents. Men also receive more major tickets like driving under the influence (DUI). Male teenagers are several times more likely to be in an accident so they pay the highest premiums.

When should I discuss my situation with an agent?

When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Is my babysitter covered when using my vehicle?
  • Am I better off with higher deductibles on my 2014 Ford Fiesta?
  • Is my state a no-fault state?
  • Is my 2014 Ford Fiesta covered for smoke damage?
  • Do I need medical payments coverage since I have good health insurance?
  • When should my teen driver be added to my policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, fire damage and damage from flooding. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This will pay to fix damage to your Fiesta caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Fiesta.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

This protects you from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, emergency aid, funeral expenses and medical services. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills for doctor visits, nursing services, ambulance fees and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Be a Smart Shopper

We just showed you some good ideas how to compare 2014 Ford Fiesta insurance rates online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the best rates are with a small local company. These companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

A few companies may not offer online quoting and most of the time these small insurance companies only sell through independent insurance agencies. Lower-priced 2014 Ford Fiesta insurance is available online and from local agencies, and you need to price shop both to have the best rate selection.

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